Special measures to support business clients

affected by the coronavirus pandemic

The health and well-being of our employees and customers is Zagrebačka bank’s top priority. Zagrebačka banka has prepared a comprehensive set of measures for business clients who are still experiencing financial consequences of the COVID-19 epidemic. We want to continue to help and support you during the coming period, and we invite you to contact the Bank Relationship Manager so we can choose the most appropriate support measure together.

What special measures are we offering?
1. Payment deferral (moratorium) on the loan principal and/or regular interest for a period of 3, 6 or 9 months, depending on to what extent the client previously benefited from the COVID-19 Moratorium measure. Moratorium approval can be subject to the provisions of the credit/guarantee programme based on which the loan was originally granted and to approvals from third parties (for example, the Croatian Bank for Reconstruction and Development etc.). During the moratorium period, the Bank will not charge moratorium application processing fees or late payment fees for the loan for which moratorium was requested.
2. Credit lines for liquidity in cooperation with competent state agencies and development banks accompanied by grant schemes and other risk coverage.

Who can apply?
1. Payment deferral (moratorium)
Zagrebačka banka’s clients that meet the following criteria (cumulative):
- business entities headquartered in the Republic of Croatia which are privately owned or owned by local or regional government;
- clients whose business has already been negatively impacted by COVID-19 or who expect their business to be negatively impacted in the next period, to a degree that prevents them from regularly meeting obligations towards any creditor important for the sustainability of their business;
- clients who have applied for similar measures granted by other major creditors;
- clients who, on the day of applying for the moratorium, do not have unpaid due debts stemming from the loan for which they are applying for a moratorium, or are not more than 30 days late in paying any other exposure of the Bank or UniCredit Leasing d.o.o. towards any other member of the Group.
2. New liquidity
Zagrebačka banka’s clients that meet the following criteria (cumulative):
– Legal entities registered in the Republic of Croatia
- registered for the measure via FINA (exception for Clients that are not supported via FINA
– e.g. business professionals and companies with non-resident legal representatives), and
– signed a New Liquidity loan request, which also contains a self-declaration that they have been impacted by COVID-19.
Clients who do not meet all these criteria but are interested in discussing options for regulating their obligations towards the Bank, can contact their Relationship Manager/Banker to discuss the matter further.

How to apply?
1. Payment deferral (moratorium)
By logging into via the Financial Agency's (Fina) service, accessing the website and subsequently submitting documentation to the Bank, including Request for a Covid-2 Moratorium to the business relationship manager/banker by 12 March 2021. In case of club loans, alongside mandatory logging in via Fina, clients are invited to contact their business relationship manager/banker who will instruct them about the following steps.
The application and other documentation requested by the Bank is submitted on behalf of the client by the person authorized to represent the client, personally or via post, to the business relationship manager/banker.
2. New liquidity loans
Applying for the measure:
- Via webpages of the Financial Agency (FINA) select Zagrebačka banka as the credit institution in charge of processing your request.
- After that, submit the documentation to Zagrebačka banka, including the Request for approval of NEW LIQUIDITY loan, to the Bank Relationship Manager/Banker.
Based on the received Request for approval of NEW LIQUIDITY loan, client’s Relationship Manager/Banker will provide the client with a list of documents required for Bank’s evaluation. During the evaluation process, the Bank may request additional documentation from individual clients.

What is the process for submitting requests for above-mentioned measures?
Requests will be processed in the shortest possible period and clients will be informed accordingly about the decision. The Bank does not take any commitment to its clients or any other third parties with this notice. The Bank maintains its right to take individual decisions about each request that has been submitted.
The Bank expects that all clients whose business is not affected by coronavirus crisis will continue to regularly settle their obligations.

Zagrebačka banka will always endeavor to act in everyone's best interests and do the right thing vis a vis all its stakeholders

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Tehnički kolačićiUvijek aktivni

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Kolačići koji se koriste:

JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama

PD_STATEFUL - kolačići sigurnosti sesije Server session security cookies

PD_SESSION-ID - jdinstveni Unique server session security cookie

PWSESSIONID – kolačić sesije poslužitelja

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Kolačići koji se koriste:

ZABGN - postavke naslovnice ovisno o tome je li korisnik građanin ili pravna osoba

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CONSENT - postavke kolačića - google.com

DV - Google ad personalizacija - google.com

NID - Google ad personalizacija - google.com

IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. Google.com/ DoubleClick

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gid - koristi se za razlikovanje korisnika jednog od drugog.

Anj - Anj kolačić sadrži podatke koji označavaju da li se ID kolačića sinkronizira s našim partnerima. ID sinkronizacija omogućuje našim partnerima korištenje svojih podataka izvan platforme na platformi.

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